Bought Atlas Insurance product from this company in march for my mother. Took her to gastroentrologist for diagnosis and treatment of bloody diahorrea in end of march. She undergone endoscopy and colonoscopy for diagonsis. Doctor's office and hospital facilities filed claim directly to HCCMIS. Since then claims are pending with the company on pretext that all documents are not received from doctor's office. First hccmis said documents not recieved from primary care physician. Once I got that resolved by talking to primary care physician and still claims are not settled for three months, I called hccmis again. This time I am told documents are pending from gastroentrology office. In July, gastroentrology office confirm sending the documents. In August, I checked again with hccmis and got the same information that documents are pending from gastroentrologist office. Again talked to gastroentrologist office for resending the documents and they confirm resending those. In october, again same excuse from hccmis that documents missing from gastroentrologist office. This time I conferenced in gastroentrologist office and hccmis and while of phone the doctoros office resend the documents and hccmis confirmed that documents are recieved and asked for 30 days for decision. There after called hccmis multiple times in november and december and they keep on saying that documents are recieved and they are awaiting decision from their claims office. Then suddenly in January this year, hccmis sent a letter that all claims are denied because they haven't received documents from gastroentrologist. Also mentioned that no further action is going to be taken as the deadline for claim has expired. Overall even after recieving documents and confirming that documents are received they denied the claim. Hccmis takes huge time in between conversations to notify to us that something is missing and then suddenly made decision that time for submitting documents have expired eventhough they confirmed that documents have been received.

Keep away from this company. It is SCAM.